Moving to Dover, Florida: The 2026 Data Guide

As of 2026-09-13, the median home sold in Dover, Florida over the last 12 months went for $365,000 (30 closings across 36 communities in Momentum’s MLS record), about $212 per square foot for a median 2,265-sq-ft home built around 2005. Homes currently listed have been on the market a median of 36 days, and with 14 active listings against that sales pace the city is carrying roughly 5.6 months of supply. Sellers have been getting about 99% of their original asking price. That median is 10% below the median across Momentum’s Florida and Georgia coverage.

$365,000

Median sale (12 mo)

$212

Price per sq ft

$2,550

Est. monthly cost to own

36 days

Days listed (median)

5.6

Months of supply

New construction share

What your budget buys in Dover

Three price points from 50 recent Dover closings in our record, each showing what actually closed within 10% of that price:

Around $338,500: the typical sale in this band was a 3-bed, 2-bath home of about 1,658 sq ft, built around 2006 (13 sales).
Around $365,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,812 sq ft, built around 2006 (12 sales).

The real monthly cost of owning in Dover

Take the median $365,000 home with 20% down at today’s 6.76% 30-year rate: principal and interest run about $1,896/month. Hillsborough County’s typical total millage is 15.73 mills, so after the $50,000 homestead exemption the property tax is roughly $4,954/year ($413/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Hillsborough County is about $1,816/year; private-market quotes vary with roof age and wind mitigation. 79% of current Dover listings carry an HOA, with a median of $90/month where one applies. All in, budget on the order of $2,550/month to own the median Dover home including a typical HOA.

For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Hillsborough County property tax guide and our home insurance by county map.

Dover by ZIP code

Sales and medians by ZIP over the same 12 months: 33527 (43 sales, median $480,000).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 94% were single-family homes. New construction accounted for 5% of closings. The housing stock skews mixed: 18% of homes sold were built in 2015 or later and 14% before 1980.

Getting around from Dover

Measured from the center of Dover’s recent sales: Downtown Tampa is about 15 miles; Lakeland is about 17 miles; Tampa International Airport (TPA) is about 19 miles; Sarasota is about 48 miles. Distances are straight-line; drive times depend on the corridor and time of day.

Schools, taxes, and insurance: where to verify

School assignments change; check the Hillsborough County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Hillsborough County’s typical millage of 15.73; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Hillsborough County average of $1,816/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.

Dover: the case for and against

What works in Dover’s favor

homes move quickly (median 36 days listed), so well-priced homes get competition
insurance is comparatively manageable here (Citizens average $1,816/year)
no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead

What to plan for

79% of listings carry an HOA (median $90/month)
property taxes reset to your purchase price, so never budget off the seller’s bill

Your Dover relocation toolkit

Common questions about moving to Dover

How much does a house cost in Dover, FL?

The median sale over the last 12 months was $365,000 (30 closings), about $212 per square foot. Among recent closings in our record a quarter sold under $338,500 and a quarter over $600,000.

What does it cost per month to own a home in Dover?

For the median $365,000 home with 20% down at 6.76%, roughly $2,550 per month including principal, interest, Hillsborough County property tax after the homestead exemption, insurance, and a typical HOA.

What are property taxes like in Dover?

Hillsborough County's typical total millage is 15.73 mills. On the median home that is about $4,954 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is Dover a buyer's or seller's market right now?

With about 5.6 months of supply and a median 36 days on market for current listings, conditions are roughly balanced.

Is there a lot of new construction in Dover?

New construction was 5% of sales in the last 12 months.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

Sales figures are Momentum Realty’s MLS record of closings in Dover communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Hillsborough County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.